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My wife has a variety of 403(b) plan providers from which to choose from. I've already eliminated the insurance co.s from the list. Whcih accounted for about 90%. I've found the mutual fund provider with the lowest fees and index funds to boot. But my big question regards transfers. If I understand correctly, funds from one 403(b) provider can be transfered to another within certain limits. I like this. Is it true? Secondly, is it possible to likewise transfer funds from a 403(b) provider to an IRA account without discontiuting employment and without tax penalties?

Thanks V. Soto
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